🏧ATM Withdrawal Fees

We encourage digital payments for full visibility and smoother bookkeeping. But if you ever need cash, here’s what to expect: ATM withdrawals incur standard banking fees as detailed in the below table.

When Pemo users withdraw cash from an ATM, this fee is applied to cover all associated costs across the ATM network and our partners.

Fee type	Amount
Domestic ATM Withdrawal	AED 5.25
International/Abroad ATM Withdrawal	AED 26.25

Things to note:

• Why the fee? These charges cover ATM network costs and partner bank handling fees.

• Some ATMs charge extra: In addition to our fee, an ATM (especially abroad) may charge a usage fee. Look for machines that don’t add this.

• Plan ahead: If you need cash, withdrawing a single larger amount is more cost-effective than multiple smaller ones.

FAQs

Why are Pemo's withdrawal fees higher than usual?

PEMO is designed to help businesses digitize transactions for better transparency and efficiency. Our fee structure reflects this goal by encouraging more digital transactions. However, we understand that cash withdrawals can be necessary for daily operations, so we've made this feature available for our customers.

I received a notification from the Bank’s ATM about an additional fee being applied. Why is that?

Some banks may charge extra fees for using external cards at their ATMs, depending on their policies. In the UAE, most banks don’t apply these fees. If the ATM you’re using does, you can try another bank's ATM to avoid the additional charges.

Are there any other fixed transaction fees, such as for e-commerce, balance inquiries, or transaction fees, imposed by Pemo?

No, the only fixed transaction fee we charge is the one mentioned for withdrawals.